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Policy Changes aka eNotes are Here! New Paragraph 11 in Promissory Notes. — Deadly Clear

We’ve discussed UETA and eSign and the significance of explicit consent…in most cases pre-2008…there isn’t any. Here is a Indiana case that is riveting: Good v. Wells Fargo. Read it HERE. In this case, Bryan Good stated that in this 2008 transaction there were apparently 2 notes. Wells Fargo asserts that Good signed an eNote […]

via Policy Changes aka eNotes are Here! New Paragraph 11 in Promissory Notes. — Deadly Clear

 

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Consumer Financial Protection Bureau Enforcement Contact Information

MAIN NUMBER: 202-838-NEIL (6345). Get a Consult! https://www.vcita.com/v/lendinglies to schedule, leave message or make payments. Our Services: https://livinglies.wordpress.com/2016/04/11/what-can-you-do-for-me-an-overview-of-services-offered-by-neil-garfield/ Register for Consultation here: https://live.vcita.com/site/lendinglies Have a Foreclosure Question? Get an answer NOW with the Foreclosure Information Service $49: https://live.vcita.com/site/lendinglies Fill out our FREE registration form at https://fs20.formsite.com/ngarfield/form271773666/index.html?1453992450583 Thanks to Cementboots who posted this information on the […]

via CFPB Enforcement Contact Information — Livinglies’s Weblog

Here is the contact information for the enforcement division of the Consumer Financial Protection Bureau.

Want help from the CFPB?

Attorneys for Plaintiff
Consumer Financial Protection Bureau

ANTHONY ALEXIS
Enforcement Director

CARA PETERSEN
Deputy Enforcement Director For Litigation

GABRIEL O’MALLEY
Assistant Litigation Deputy

Jean Healey
E-mail: jean.healey@cfpb.gov
Phone: 202-435-7514
Facsimile: (202) 435-7722
1700 G Street NW
Washington, DC 20552

Jan Singelmann
E-mail: jan.singelmann@cfpb.gov
Phone: 202-435-9670
Facsimile: (202) 435-7722
1700 G Street NW
Washington, DC 20552

Atur Desai
E-mail: atur.desai@cfpb.gov
Phone: 202-435-7978
Facsimile: (202) 435-7722
1700 G Street NW
Washington, DC 20552

Ocwen responds to Qualified Written Request

So you have sent a QWR (hopefully a good one that qualifies as a Qualified Written Request or Debt Validation Letter) and Ocwen responds with a shotgun approach intended to intimidate the lawyer or homeowner who reads it. I recently did an anlysis and drafted a potential response for another lawyer representing a homeowner. I […]

via Response to QWR Response from Ocwen Re US Bank as Trustee of….hmmmm — Livinglies’s Weblog

Ninth Circuit rules that Robins has Article 3 standing

BREAKING NEWS — For those of you that haven’t been keeping track of the differences of opinion between the U.S. Supreme Court and the U.S. 9th Circuit Court of Appeals in the Spokeo v. Robins case, the 9th Circuit panel has issued an opinion that the Plaintiff (Robins) did in fact allege a “concrete injury”. […]

via U.S. 9TH CIRCUIT RULES ROBINS HAS ARTICLE 3 STANDING! — Clouded Titles Blog

Bank of America will pay $6 million to Erik and Renee Sundquist

And I remember reading this story… Bank of America Corp. has agreed to pay more than $6 million to a California couple whom a federal judge said had been harassed and illegally foreclosed upon by the bank’s mortgage unit, ending an eight-year-long dispute. The proposed settlement between the bank and Erik and Renee Sundquist would […]

via Bank of America to Pay $6 Million to Bankrupt Couple Evicted From Home — Justice League

The fact that Bank of America has agreed to pay $6 million to Erik and Renee Sundquist indicates to me that they were worried about their chances of prevailing on their appeal.  However while $6 million may seem like a lot of money to myself and many other people to a mega-bank like Bank of America it is “chump change”.

Subprime mortgages are making a comeback

Apparently the biggest banks in the US didn’t learn their lesson the first time around… Because a few days ago, Wells Fargo, Bank of America, and many of the usual suspects made a stunning announcement that they would start making crappy subprime loans once again! I’m sure you remember how this all blew up back […]

via The Subprime Mortgage Is Back: It’s 2008 All Over Again! — Easy Money

This is very bad news for the economy as this will make the real estate bubble grow even larger and guarantees that the next real estate crash will be several orders of magnitude worse than the last one.

 

Foreclosures lead to profits for house flippers

http://www.truth-out.org/opinion/item/41151-foreclosures-lead-to-flippers-profits The United States has entered a new phase of residential foreclosure. The basic narrative is shocking: House-flippers are being allowed to push troubled homeowners out of their houses. As a neighbor of mine said, succinctly, “It’s cheaper for them.” In an ugly way, house flipping is a sweet deal in any area where the […]

via Foreclosures Lead to Flippers’ Profits — Livinglies’s Weblog

That is outrageous that anyone that has a direct pecuniary interest in foreclosing on a homeowner would ever be allowed to become a substitute trustee.  This practice needs to stop now.

 

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